{"id":3273,"date":"2025-06-12T07:57:47","date_gmt":"2025-06-11T23:57:47","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3273"},"modified":"2025-06-12T07:57:47","modified_gmt":"2025-06-11T23:57:47","slug":"%e4%b8%ad%e4%b8%9c%e4%b8%bb%e8%a6%81%e5%9b%bd%e5%ae%b6%ef%bc%88%e9%98%bf%e8%81%94%e9%85%8b%e3%80%81%e6%b2%99%e7%89%b9%e3%80%81%e5%8d%a1%e5%a1%94%e5%b0%94%ef%bc%89%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/12\/%e4%b8%ad%e4%b8%9c%e4%b8%bb%e8%a6%81%e5%9b%bd%e5%ae%b6%ef%bc%88%e9%98%bf%e8%81%94%e9%85%8b%e3%80%81%e6%b2%99%e7%89%b9%e3%80%81%e5%8d%a1%e5%a1%94%e5%b0%94%ef%bc%89%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f\/","title":{"rendered":"Comparison of payment systems in major Middle East countries (UAE, Saudi Arabia, Qatar)"},"content":{"rendered":"

Below is a comparative analysis of the payment systems in the key Middle East countries (UAE, Saudi Arabia, Qatar) covering local payment networks, digital wallet penetration, cross-border payment capabilities and regulatory features:<\/p>\n

—<\/p>\n

1. Local payment infrastructure
\n| Country | Core Clearing System | Instant Money Transfer Service | Government Facilitated Projects |
\n|———-|——————————-|———————–|——————————|
\n| UAE | UAE Funds Transfer System (UAEFTS) | *Instant Payments* (launching in 2022) | *Digital Dirham* (central bank digital currency pilot) |
\n| Saudi Arabia | Saudi Payments Network (SPAN) | *Sarie* (real-time clearing system) | *Saudi Central Bank Digital Currency* (beta phase) |
\n| Qatar | QPay Network | *FAWRAN+* (Instant Payments) | Qatar National Vision 2030 FinTech Enablement |<\/p>\n

- Feature comparison:
\n Saudi SPAN has the widest coverage (supports all banks), UAE UAEFTS is highly internationalised; Qatar FAWRAN+ supports multi-currency settlement.<\/p>\n

—<\/p>\n

2. E-wallets and mobile payments
\n|Country |Mainstream eWallets Penetration (2023)|Main Usage Scenario|
\n|—|—|—|
\n|UAE |- Apple Pay\/Google Pay *(foreign-led)*
- Beam (local aggregation platform)|~45% *(dependency on expatriate population)*|
\n|-Saudi Arabia |- STC Pay *(over 8 million users)*
- Mada Pay* (Government endorsement)*|~65%<\/span> *(one of the highest in the world)*|
\nQatar - Ooredoo Money* (Department of Telecommunications)*
- Qatar Islamic Bank Wallet|~35%<\/span>|<\/p>\n

- Key differences:
\n Saudi Arabia mandates foreign e-wallets to be compatible with the Mada network and is highly localised; the UAE is more open but heavily fragmented.<\/p>\n

—<\/p>\n

3. Card networks and cross-border interconnections
\n||Domestic Debit Card System||Cross-border Co-operation Cases|
\n|—|—|—|—|
\n|UAE<\/b>|NOL Card<\/span>(Transport + Micropayments)|Visa\/MasterCard coverage 85%|- Alipay+\/WeChat access to Dubai Malls
- Mashreq Bank supports UPI in India
\nabbr. for Saudi Arabia<\/b>|Mada<\/span>(Mandatory for all POS support)|Native Network Percentage 60%|- Sarie System Connection GCC Real-Time Money Transfer
- SAMA licences China UnionPay gateway
\nDoha<\/b>>QPAY Card|*Historical effects of restricted international sanctions*|- FAWRAN+ only within GCC
- Visa Authorised Airport Duty Free Use<\/p>\n

—<\/p>\n

4. Regulatory policy differences
\n– Saudi SAMA.<\/u>
\n Require all e-commerce platforms to access Mada and issue special licences for BNPL (buy now pay later).
\n– UAE CBUAE.<\/u>
\n 100% foreign licensed payment companies are allowed, subject to AED 2 billion capital reserves.
\n– >QCB(Qatar). <\/i><\/i><\/i><\/i><\/i>>:
\nProhibit unauthorised cryptocurrency transactions and require all mobile app in-app purchases to be made through QPay.<\/p>\n

—
\n5. Challenges and trends
\n1. ) Saudi\"Open Banking\" policyCould change the market landscape;
\n2.) DIFC (Dubai) + ADGM (Abudhabi)is vying to be the Middle East's crypto-asset settlement centre; the
\n3.)The push for GCC harmonised payments in 2025 could weaken national local systems. -<\/p>\n

5. Challenges and development trends (continued) <\/p>\n

(1) Competitive Landscape of Open Banking (OB)
\n- Saudi Arabia: SAMA mandates open banking API standard for all financial institutions to share customer data (authorised), with full access expected to be completed by 2024. *Example:* STC Pay has enabled cross-bank account aggregation.
\n- UAE: CBUAE adopts an \"encourage but don't compel\" strategy, with 20+ open banking pilots in the DIFC fintech sandbox. *Risks:* Data privacy laws conflict with EU GDPR.
\n- Qatar: QCB is conservative and only allows data interoperability between banks, not open to third-party payment companies for the time being. <\/p>\n

(2) Cryptocurrency and CBDC Progress
\n|Countries|Central Bank Digital Currency (CBDC)|Cryptocurrency Regulation|Typical Use Case|
\n|—|—|—|—|
\n|UAEDigital Dirham<\/span>(Wholesale Pilot)|World's Most Relaxed Licence Regime (Dubai VARA)|BitOasis Exchange Compliance|
\nSaudi Arabia|Test phase (interbank only)<\/span>|SAMA's blockchain cross-border remittance experiment|Banning Retail Transactions, But NEOM City May Become a Special Administrative Region
\nQatar|No public programme<\/span>|Total ban, including restrictions on access to foreign exchanges |-|<\/p>\n

- *Key contradiction*: the UAE tries to become the Middle East Web3 hub, while Saudi Arabia prefers controlled private chain applications.<\/p>\n

(3) Potential impact of GCC harmonised payments
\nThe Gulf Co-operation Council (GCC) plans to launch a regional instant payment system (GCC-RTGS) by 2025:
\n- Opportunity: Reduced cross-border fees (currently averaging 4.71 TP3T), particularly favourable for Qatari companies entering the Saudi market;
\n- Resistance: Conflicting interests of local networks in each country (e.g. Mada may lose its monopoly).<\/p>\n

—<\/p>\n

6. Practical recommendations for enterprises
\nChoose payment options based on business scenarios:
\n1. E-commerce platforms.
\n - *Saudi* \u2192 Mada must be integrated and support STC Pay instalments;
\n - *UAE* \u2192 Super App channels like Careem Pay have higher conversion rates;
\n - *Qatar* \u2192 Qatar Airways prepaid card system covers the premium segment. <\/p>\n

2. B2B trade.
\n - UAEDigitisation of Letter of Credit<\/span>(via Emirates Trade Connect);
\n - SaudiSaudi Corporate Payment Network<\/style>\n

Supports real-time settlement of large amounts.<\/p>\n

3. Cross-border collections.
\n Preference is given to institutions within the Dubai International Financial Centre (DIFC), which can hedge against Iran\/Russia related sanctions risk.<\/p>\n

—<\/p>\n

[Key observation points for the next three years] \ud83d\udd0d
\n1\ufe0f\u20e3 Saudi Aramco Ecological Closure<\/u>:: Whether to embed oil trade settlement in the SPAN system;
\n2\ufe0f\u20e3 UAE Digital Identity Integration<\/u>:: Whether Emirates ID can bridge all government payment scenarios;
\n3\ufe0f\u20e3 Qatar World Cup Legacy Effect<\/u>:: Whether FAWRAN+ will expand into the Asian labour remittance market.<\/p>\n

If in-depth analyses in specific areas are required (e.g. BNPL regulation comparison\/halal fintech), this can be expanded further.<\/p>","protected":false},"excerpt":{"rendered":"

Here is a comparative analysis of the payment systems in the major Middle East countries (UAE, Saudi Arabia, Qatar)...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[35],"tags":[],"class_list":["post-3273","post","type-post","status-publish","format-standard","hentry","category-35"],"yoast_head":"\n\u4e2d\u4e1c\u4e3b\u8981\u56fd\u5bb6\uff08\u963f\u8054\u914b\u3001\u6c99\u7279\u3001\u5361\u5854\u5c14\uff09\u652f\u4ed8\u7cfb\u7edf\u5bf9\u6bd4 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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